An Underwriter is the person our Agent or Broker will contact if they are not sure of qualifications... basically the person who helps determine if the risk is insurable. Generally speaking, customers do not speak directly with underwriting. It is a very normal and standard part of writing insurance. Pretty much every single policy is reviewed by an underwriter, either before, during or after the policy is sold.
Most companies do not want to insure our types of businesses due to the risk... Usually a specialty policy is required.